1 rich Libsyn https://www.libsyn.com 90 600 Subject Points:&amp;nbsp; &amp;nbsp; :42 - Intro to Libby Kyros and her knowledge of interest rates 2:20 - Why are interest rates doing what they are doing?&amp;nbsp; 3:30 - What is the federal funds rate?&amp;nbsp; 6:45 - How mortgage rates are determined 7:50 - When is it best for investors to take a step back? 9:02 - When the stock market isn’t great no one tells you not to put money in your 401 K 9:55 - If rates go down, not only will you have a better payment, property value goes up too 12:12 - Investing advisors will say, invest x amount every month, regardless of the market 12:58 - Benefits of owning a home vs renting 13:44 - The empowering feeling of buying a house on your own with your own money 14:20 - The spread of interest rates amongst credit unions 17:34 - Being fully aware of your mortgage rate options as a buyer&amp;nbsp; 20:19 - Wrapping up Get in contact with Libby on Instagram All Ships Rising https://allshipsrising.com/podcast <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/31925152/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/content/173823087